minimini
2021-05-11 15:30:25
- #1
...it's just that with a child you end up setting things up differently again ;-) you're never really done :-D
It was pretty much the same with us as the plan of the OP. Before maternity leave my wife worked full time. Then one year parental leave and afterwards 67% for one year and then full time again. You are entitled to a childcare place. We got a daycare spot for our little one without any problems starting from the 366th day of life. Thus, the plan was possible.Without going into the numbers in detail, I would be interested to know how you imagine the part-time arrangement with your wife after the child?
First of all, it can be assumed that she stays completely at home during the first year with parental allowance. And then? After one year, straight to 70% part-time? How does the childcare work?
We had that plan too, but now we have discarded it and my wife is also staying at home during the second year of the child's life. No money is coming in. I have already reserved 25k from our savings for that. ;)
Just as a thought. With a child, many things usually turn out differently than one imagines/wishes/envisions as a childless couple ;)
Who takes care of the child when your wife works again? Does that cause costs?
You are right. For exactly that reason, one should switch the tax classes early, preferably immediately after learning about the pregnancy. However, it must not be forgotten that the higher parental allowance will then also be taxed accordingly afterwards. Those who do not expect a large additional payment should then set aside part of the parental allowance monthly.Thank you! What is also missing in the hypothetical calculation – if the woman goes on parental leave with the first child, then her parental allowance is calculated based on her last net salary. If she then works part-time in tax class V after the first child, the parental allowance for the second child shrinks significantly. This usually leads to the man not taking any significant parental leave, and if you are not a civil servant, this can mean a professional knockout.
That may work like that. But it doesn’t have to. My statement was completely neutral. I just think that you shouldn’t necessarily assume the financial best-case scenario in this regard. Otherwise, you might face a rude awakening because you might not be able or willing to put your child in care after one year.It was pretty much the same with us as the plan of the OP. Before maternity leave, my wife worked full-time. Then one year of parental leave and afterwards 67% for one year and then full-time again. You are entitled to a childcare place. We got a nursery place for our little one from the 366th day of life without any problems. So the plan was possible.